Oportun Q4 revenue beats estimates

Overview

• Financial services firm reported Q4 revenue beat analyst expectations

• Adjusted EPS for Q4 beat analyst expectations

• Adjusted net income for Q4 missed analyst expectations

Outlook

• Oportun guides full-year 2026 adjusted EPS between $1.50 and $1.65

• Company expects 2026 revenue between $935 mln and $955 mln

• Oportun projects 2026 adjusted EBITDA between $150 mln and $165 mln

Result Drivers

• COST MANAGEMENT - Co reduced operating expenses by 12% in 2025, driven by cost-cutting measures, including lower software and marketing costs

• ORIGINATIONS STRATEGY - Co focused on high-quality originations, which helped drive profitability and meet guidance metrics

Company press release: ID:nGNX87fcg9

Key Details

Analyst Coverage

• The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 4 "strong buy" or "buy", 3 "hold" and no "sell" or "strong sell"

• The average consensus recommendation for the consumer lending peer group is "buy"

• Wall Street's median 12-month price target for Oportun Financial Corp is $8.50, about 54.3% above its February 25 closing price of $5.51

• The stock recently traded at 4 times the next 12-month earnings vs. a P/E of 4 three months ago

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